Profile

As a partner in our Tennessee office, Erica focuses her practice on federal and state regulatory compliance. She assists a variety of consumer financial services companies including installment lenders, solar financing companies, and auto finance companies with preparing compliance strategies and programs designed to meet complex regulatory requirements and ensure operational success.

Erica works with clients to:

• Ensure compliance with the Military Lending Act, Servicemembers Civil Relief Act, and Americans with Disabilities Act (particularly as it relates to the accessibility of web content).
• Analyze fair lending issues frequently encountered in the consumer financial services industry to assist clients with developing controls to mitigate perceived or actual discriminatory use of data based on prohibited characteristics, including by helping clients with qualitative model attribute reviews and statistical reviews, as well as by evaluating model risk management governance policies and procedures.
• Assist furnishers of credit information under the Fair Credit Reporting Act with Furnisher Rule compliance and furnishing-related questions.
• Advise on strategies designed to reduce risk associated with analyzing and reporting sensitive information about consumers, such as health information.

Erica is committed to helping financial services companies meet regulatory challenges with confidence while maintaining compliance and operational efficiency.

Before joining Hudson Cook, Erica was a Staff Attorney at Bay Area Legal Services, Inc., where she practiced family and housing law. She also worked as an attorney at Murnaghan & Ferguson, P.A., focusing on construction litigation.

Erica is a member of The Florida Bar and the Tennessee Bar Association. She also serves on the Board of Grace Point Camp and Retreat Center in Kingston, TN.

Erica earned her J.D. from Stetson University College of Law and holds a Bachelor of Science degree in Integrated Strategic Communications from the University of Kentucky.

Outside of the office, Erica enjoys live music, reading, and spending time with her family.